Financial advice
for Lytham St Annes
and the Fylde Coast
I'm an independent financial adviser based in Southport, working with individuals and families throughout Lytham St Annes (FY8), St Annes-on-the-Sea and across the Fylde Coast. From pension planning to retirement, I provide straightforward, impartial advice.
Impartial guidance designed around your circumstances
100% Independent
Not tied to any product provider. I search the whole market to find solutions that genuinely suit your situation, not what's easiest to sell.
Accessible from Lytham
Based in nearby Southport, I work with clients throughout Lytham St Annes, St Annes-on-the-Sea and the wider Fylde Coast. Meetings are available in person or by video call - whichever suits.
Clear, Straightforward Communication
Financial jargon clouds understanding. I explain things plainly - what matters, why it matters, and what happens next. You leave knowing exactly where you stand.
Retirement and wealth planning for the Fylde Coast
Lytham St Annes has long attracted professionals and retirees drawn by its coastline, quality of life and established property values. Many residents here are either approaching retirement or already in it — and the financial questions at that stage carry real weight.
When should you start drawing from your pension? How do you balance income needs with preserving capital for your family? What are the inheritance tax implications of the wealth you've accumulated? These are the questions I help clients here work through.
As an independent adviser, I work with clients throughout Lytham St Annes and the Fylde Coast to build plans that answer those questions clearly and on your terms — with no product bias and no hidden incentives.
A full range of independent financial advice
Pension Advice
Consolidate old pensions, maximise your annual allowance and plan a tax-efficient income for retirement.
Learn more →Inheritance Tax Planning
Property values on the Fylde Coast mean many Lytham St Annes estates face a meaningful IHT liability. Early planning makes a significant difference.
Learn more →Cashflow Planning
See a clear picture of your financial future. Understand how long your money will last and what changes might be needed.
See how it works →Tax-Efficient Investment Advice
Maximise ISA allowances and use tax-efficient investments to keep more of your money working for you.
Learn more →Protection Review
Life insurance and income protection gaps mean many families are underinsured. I'll review your needs and source the right cover.
Learn more →Unsure where to start? A free introductory call gives you clarity on what matters most.
Book a free callAbout John Anthony Sykes
I'm John Anthony Sykes, an independent financial adviser based in Southport. I'm an Independent Financial Adviser connected to Fintuity and work with individuals and families across Lytham St Annes, St Annes-on-the-Sea and the wider Fylde Coast.
My work is focused on pensions, retirement planning, inheritance tax and cashflow analysis - typically for people who are approaching or already in retirement, and those thinking about passing wealth to the next generation.
Fees are transparent and agreed before any work begins. A free 20-minute introductory call is available - no obligation to proceed.
Ready to move forward?
The first conversation is free. No obligation, no pressure - just clarity on where you stand and what your options are.
Book your free 20-minute call